Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D

Call Buy Policy : 1800-102-4499

We thank you for your interest in Care Health Insurance. Our expert will call you soon to assist you

Let us help you find
a Perfect Plan

Buy Now
Call Get a call back from us Close


Or call us on our toll free number

Thank You

Thank you!

We thank you for your interest in Care Health Insurance (formerly known as Religare Health Insurance Company Limited). Our expert will call you soon to assist you.

Message Welcome to Live Chat Close

Start Chat

Family Health Insurance with Care

  • Religare Health Insurance is now Care Health Insurance
  • 15 days Wait period for COVID Treatment*
  • Avail Annual Health Checkup & Tax Rebate u/s 80D
  • Coverage for Modern Treatment like Robotic Surgery, etc






Discount sticker

Get ₹ 5 Lac Health Cover at ₹ 358/month^ Discount sticker



Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.


Global Coverage Including USA ?

7.5% OFF

10% OFF


All Members

- +
- +
- +
- +
- +
- +
- +
- +
- +
- +
- +

CARE SAFE (For 10 Lakhs)

rupee ----/mo

(Premium includes 18% GST)

Base Cover


Additional Covers




Policy Sum Insure increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insure.


Up to rs.2000 per hospitaliztion payable if advised by treating medical practioner.


We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.


We reimburse the room rent expenses incurred during hospitalization as per the sum Insure chosen by you.


You can add additional 50 % increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB& NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.


Sum insured amount will be re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

Co-payment Waiver

If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

Policy Benefits of Family Health Insurance

Cover Highlights

Health Check-Up

Annual health

Robotic surgery

Robotic surgery


Emergency Ambulance


(more or less than 24 hrs)



Features of Family Health Insurance arrow close


5, 7, 10 Lacs
15, 20, 25, 30, 40 Lacs 50, 60, 70, 75 Lacs 1, 2, 3, 6 Crore
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
We cover the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
30 Days 30 Days Up to SI,30 Days Up to SI,30 Days
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 Days 60 Days Up to SI,60 Days Up to SI,60 Days
Day Care
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
tick-mark tick-mark tick-mark Upto SI
Room Rent
We reimburse expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges
We take care of ICU charges incurred during your hospitalization.
No Sub-Limit No Limit No Limit ---
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Health Check-up
We give an Annual Health Check-Up for all insured members covered in the policy.
tick-mark tick-mark tick-mark tick-mark
Automatic Recharge of Sum Insured
If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
tick-mark tick-mark tick-mark Yes, Up to SI (Once in a Policy Year)
No Claim Bonus
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
tick-mark tick-mark tick-mark tick-mark
Organ Donor Cover
We reimburse you the medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Rs.100,000 Rs.200,000 Rs.300,000 Rs.500,000
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
tick-mark tick-mark tick-mark tick-mark

Care complete plan details

Add-ons to cover your specific needs

We pay for your necessary ambulance expenses

See Details

Discount Connect & E-Consultations’ – the Add-on Cover you need to enhance coverage of your policy. Choose to live well today!

See Details

Not only can you monitor, but also manage diabetes with your smartphone connected glucometer.

See Details

An Add on cover for 20% Co-payment Waiver

See Details

An Add-On cover that offers coverage for various “Non-Medical expenses” such as food, transportation etc.

See Details

Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.

See Details

Avail hospitalization expenses outside India

See Details

Covers expenses for consultation from International Medical experts

See Details

Covers medical expenses incurred for treatment and / or quarantine for (COVID-19) with positive confirmative diagnosis from Government Authorized Centre.

See Details

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

See Details

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

See Details

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

See Details

An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests.

See Details

Option to recharge the Sum Insured unlimited times

See Details

Family Health Insurance Plan Details

  • Minimum entry age is 91 days.

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the prevailing health insurance product or its nearest substitute approved by IRDAI.

  • Co-payment During purchase of the first policy, if eldest member insured is

    • Below 61 years, no co-payment is applicable.

    • 61 years or above, 20% of the claim amount under the policy has to be borne by you.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30 days waiting period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

Download Terms & Conditions
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Congenital disease

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


Reimbursement Insurance Claim Form Submission


Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.



Approval letter sent by the claim management team



Hospital/Insured to response to the query raised by the claim management team



You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions



Approval letter sent by the claim management team



Insured to response to the query raised by the claim management team



We will communicate the reason in case of rejection

Discount on Health Insurance Premium Discount on Health Insurance Premium


Look for hospitals around you


Detailed Hospital List
Map empty

To locate hospitals around you,

Voice of our customers

Mahendra Kumar

review My wife got a knee injury and hospitalized for a week. Most of the hospitalization expenses were covered under the family floater policy. The claim settlement was quick and hassle-free. Happy with the services.

Narang Sahu

review Good Customer Care Service. Highly recommend it to friends and family.

Ajeet Pai

review I am happy with the Care- Health Policy from Care Health Insurance. I got the call back in just 5 min, and Mr. Rajan was very helpful during the entire buying process. Good Job!

Sulekha Bhardwaj

review My search for the most comprehensive family health insurance ends here. Mr. Rama was very helpful and explained the policy features in detail. Premium is affordable, and we now feel secure! Thanks, Care Health Insurance.

Shaila Gupta

review Recently purchased care -health plan online from the website. It is very much pocket-friendly. Good Customer Service by Nadeem! All questions were answered promptly.
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Claims
Leader of the year


23 lakh + Claims settled*


Cashless claim processing
in approx. 2 hours

What is Family Health Insurance Policy?

Family health insurance is a health insurance policy specifically designed for a family. It covers more than one family member and works on a single policy-single premium basis. Insured members get comprehensive coverage during a medical emergency or planned hospitalization.

With the growing risk of diseases and increasing medical treatment expenses, health insurance family plans have become demand of the time. They can be customized further as per family needs. Health insurance will provide coverage for various medical expenses such as in-patient hospitalization, pre and post-hospitalization, ambulance costs, day-care treatments, ICU charges, domiciliary hospitalization, etc. to ensure financial stability. Secure your loved ones with Care family floater plan.

How Important are Health Insurance Plans for Family?

When it comes to the family's health and safety, a health insurance policy for family is vital. The rising incidences of critical illnesses, pollution, sedentary lifestyle, etc., are taking a toll on people's health. Additionally, increasing medical inflation in the country and resultant unaffordable treatment costs are more like financial trauma during medical emergencies for many.

So, better to keep your family secured and protected with Care family insurance plans. It helps your loved ones to avail the best possible treatment across 15500+ cashless network providers and gives you a financial cushion when you need it the most.

Click to know more about Health Insurance Plans

Benefits of Family Insurance Plans

Our health insurance policy for family comes with comprehensive coverage for insured family members. They get protection under a single umbrella. Listed below are its significant benefits:

  • Direct Claim Settlement: Hassle-free service is our top priority. Hence we settle your claims directly without involving any Third Party.
  • Cashless Hospitalization: You can get cashless treatment at any 15500+ healthcare providers. We will settle your medical bills directly with the network hospital in case of hospitization due to illness or injury.
  • Affordable Premium: The family floater plan is affordable and has less premium than the individual policy. You need to pay a single premium once a year. It reduces your financial burden and keeps your family budget balanced.
  • Single Policy: No need to get into the cumbersome formalities of having several health policies for your family members. Pay a single premium and manage one policy for all insured family members.
  • No Upper Age Limit: If you are 18 years old or above, you can buy our health insurance plan without any age restriction with no upper age limit for enrolment.
  • Discounts: Discounts can bring a smile to anyone's face. We understand how important a smile is, so here we come with numerous discounts such as a multi-year policy, Smart Select, and many more.
  • Tax Exemption: Secure your health and wealth. Get tax exemption up to Rs 75,000 for the premium paid against coverage for family and parents as per section 80D of the Income Tax Act.

What is covered under Health Insurance Policy for Family?

We offer health insurance family plans with adequate coverage at an affordable cost. Let's check what our medical insurance for family covers:

In-Patient Hospitalization Expenses: We cover your hospitalization expenses if hospitalization exceeds 24 hours due to accidents or illness.

Pre and Post Hospitalization: We cover expenses on doctor consultation, prescribed diagnostics, or prescribed pharmacy for up to 30 days before hospitalization in pre-hospitalization and up to 60 days after hospitalization in case of post-hospitalization.

Ambulance Cover: The policy covers ambulance costs that any policyholder incurs for availing a road ambulance.

ICU Charges: Your health is important to us. We cover your ICU charges incurred during hospitalization with no limit depending upon the plan.

Domiciliary Hospitalization: Treatment at Home is covered up to 10% of the sum insured on meeting certain specified conditions.

AYUSH Benefits: AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) helps you with sustainable treatment. Stay worry-free as we cover hospitalization expenses for that as well.

No Claim Bonus: We raise a cheer for your good health and reward you with no claim bonus for every claim-free year. Your sum insured will increase by 10% up to a maximum of 50% in 5 consecutive years.

Day-care Procedures: We cover 541 procedures that require hospitalization less than 24 Hours.

Organ Donor Expenses: Donating organs needs courage. We appreciate and cover the medical and surgical expenses for harvesting a major organ for transplant.

Automatic Recharge: We are always there to support you. If you ever run out of your existing Sum Insured, do not worry. Your policy covers multiple hospitalizations.

Annual Health Check-Up: Why spend unnecessarily on health check-ups outside when you can get annual health check-ups under the policy coverage.

Second Opinion: At times, it may be possible that you need a second opinion. If you are not satisfied with your current treatment plan, we will arrange a second opinion.

Lifelong Renewability: Once you opt for our family insurance plans, you can take a sigh of relief and can continue the policy for lifelong on break-free renewals.

*Please read the policy T & C, brochure, and prospectus to know more about our health insurance plans cover as it may vary.

What is Not Covered under Health Insurance Policy for Family?

Listed below are the exclusions of family insurance plans that are not admissible under the policy:

  • Any diagnosis of diseases / undergoing surgery/occurrence of an event, whose signs or symptoms first occur within 30 days of policy period start date
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization
  • War, riot, strike, nuclear weapons induced hospitalization
Secure Now

Difference between Individual and Family Health Insurance Plans

Both individual and family insurance plans offer medical coverage during an emergency and give you a financial cushion. They greatly benefit when one aims to prevent out-of-pocket expenditures that often come with medical treatment. However, these plans have some differences; for instance, affordability is one defining factor that gives a health insurance policy for family an edge over individual health plans.

Here's a quick comparison of the two plans:

Factor Individual Plans Family Floater Health Insurance Plans
Definition Individual health insurance is an insurance plan that provides insurance coverage for a single individual. Family Floater health insurance is an insurance plan that provides insurance coverage to more than one family member in a single policy. According to the needs, the Sum Insured acts as a pool from which all the Insured members can utilize.
Coverage Individual Health Plan offers coverage to a single person. For instance, if you have a family comprising of self, spouse, and one child. Then you will be buying a separate policy for self/ spouse/ child. Each member will be covered up to the Sum Insured opted in the policy. A member can utilize an amount up to the Sum Insured in the policy or pool in a medical emergency. In case after using, if any amount is left, it can be utilized by the remaining members for the next hospitalization in the same year.
Premium The premium depends on various factors, including the individual's age, pre-existing ailments, and Sum Insured opted. The premium depends on various factors, including the age of the eldest member of the family, pre-existing ailments, and the Sum Insured opted.
Who should buy Individual plans are suitable for those looking for independent health cover for each member, or there are senior citizens in the family, or in case there are members who are suffering from medical ailments. Family health insurance plans are recommended for young couples or small families or low-cost solutions for parents' coverage.
Advantages Individual plans give more coverage to each Insured member. Family floater plans are affordable as six members can get the coverage up to the Sum Insured under one policy.

Still Wondering How to Calculate Health insurance premium

How to Buy Health Insurance Plans for Family Online?

At present, when medical inflation is galloping and treatment costs are skyrocketing, it's wise to opt for the best family health insurance plans in india. It not only covers your medical needs but also supports you during the financial crunch.

You can opt for our health insurance plans for family online in few simple steps:

  • Go to the official website of Care Health Insurance and select a health plan
  • Enter the required details, including contact number
  • Get the quote
  • Choose the one that suits your needs
  • You can customize your policy by selecting the policy tenure, the sum insured, and add-ons
  • Fill in the relevant details, such as your age, occupation, pre-existing diseases, etc.
  • Submit the documents if required
  • You can choose convenient payment modes using any secured payment mode like net banking, debit or credit card, payment wallet, and pay health premium online

You will receive a health insurance policy document on your registered email id. The policy documents will include policy numbers and e-card Therefore, to ease your overall journey of opting for the best family health insurance plans in india, our representatives are available to assist you overcall, and you can feel free to reach out to them.

Tips to Choose the Right Health Insurance Plan for your Family

Investing in the right health insurance plans for family is a wise decision to protect yourself and your loved ones in case of any medical emergency. But how to choose the right plan can be an overwhelming task. Here you can read these tips that help you opt for the health insurance plans in india for family that best suits your family's medical needs.

Maximum Coverage: The best family health insurance policy provides pre and post-hospitalization expenses, diagnosis expenses, treatment, medication, organ donor cover, and annual health check-ups.

Affordable Premium: Calculate the premium with the help of online premium calculators available on our official website and compare what plans, covers, and add-on cost you less. Choose the plan accordingly that would not overburden your pocket.

Check Exclusions: Check the exclusions list carefully before choosing a family health insurance policy. There are certain conditions when your family cannot get the claim. So, opt for the cover that offers maximum coverage with minimal exclusions.

Check the Co-Payment Clause: Before investing in health insurance plans for family, it's advisable to check the co-payment clause. It can range between 10 to 30% of the amount you have to pay to settle the medical bills. However, any amount over and above this will be paid by us.

Network Hospitals: Check the list of network hospitals impaneled with the insurance provider. It's advisable to look for hospitals near your residence and well-renowned for healthcare services.

Higher CSR: CSR is the claim settlement ratio that shows the company's reliability to settle claims. Get the best health insurance for family from a company with higher CSR. We ensure easy claims experience for you with 95.2% CSR (FY 19-20).

Ready to Secure your health Ready to Secure your health

What are the Tax Benefits of Buying Family Health Insurance Plans?

Health insurance plans entitle you to get tax benefits under section 80D of the Income Tax Act, 1961. The health insurance premium you pay towards health plans for yourself or your family members gets you a tax rebate. You can save up to a maximum of Rs. 75,000.

Add-on Covers with Family Health Insurance Plan

You can also enhance the policy coverage with the help of these add-on covers:


If corona is giving you sleepless nights, do not worry! We offer COVID Care as an add-on while covering medical expenses incurred for treatment and/or quarantine for COVID-19 with the positive confirmative diagnosis from Government Authorized Centre.

Care Shield

It is an optional cover with three-fold benefits:

  • Claim Shield- It includes non-payable expenses such as attendant charges, gloves, masks, etc., under the policy benefit.
  • No Claim Bonus Shield: If the total payable claim amount in Policy Year is <25% Sum Insured, then-No Claim Bonus (No Claim Bonus Super, if opted) as applicable in the base product shall not be reduced.
  • Inflation Shield- The base policy sum insured will be increased on a cumulative basis at each renewal based on the previous year's inflation rate.

No Claim Bonus Super

NCB Super is a reward for your good health. It increases your Sum Insured amount by 50% for every claim-free year maximum of up to 100%.

Everyday Care

Under this add-on, we cover your routine visits to the hospital. You will get 1% of your Sum Insured for doctor consultation & diagnostic tests each.

Unlimited Automatic Recharge

With this add–on your Sum Insured amount is reinstated in your policy whenever your existing Sum Insured gets exhausted. You can avail of it an unlimited number of times.

Air Ambulance Cover

We try hard that the right cure may be miles away but never out of your reach. Air ambulance cover helps you go for an emergency treatment that is not in your city of stay.

OPD Care

One of the most beneficial add-on covers takes care of expenses such as doctor consultation fees, prescribed pharmacy, and prescribed investigation tests.

International Second Opinion

We believe that sometimes reassurance works better. You can opt for an international second opinion to consult with a doctor outside the country.

How to Claim your Family Health Insurance?

We offer hassle-free and claim settlement to our customers. Intimation to the customer support team within 24 hours in emergency and before 48 hours in planned hospitalization is required. Under health insurance family plans, Insured members can claim in two ways:

For Cashless Facility:

Below are simple steps for availing cashless facility:

  • Admission at the listed network hospital is required to avail cashless hospitalization facility.
  • Fill the pre-authorization form available at the hospital's insurance / TPA Desk.
  • Send it to our claim management team
  • You will get an approval letter after verification
  • For further any query from the claim management team, you or the hospital staff must respond to it.
  • You can carry on your treatment as per the doctor's advice and file for a reimbursement claim a cashless request gets rejected.


For reimbursement, below are the quick steps:

  • Submission of claim form along with required documents, as per the policy terms & conditions
  • Approval letter sent by the claim management team
  • Insured to respond to the query raised by the claim management team.
  • We will communicate the reason in case of rejection

Who Should Purchase Family Health Insurance Plans?

In today's time,the best family health insurance plans in India are necessary because medical inflation impacts many family's finances in India. At the same time, ailments are on the rise mainly due to factors more related to an unhealthy lifestyle, thus, highlighting the need for a health cover. Hence, every family deserves the best financial protection and should consider opting for family health cover.

An adequate medical insurance policy for a family will eliminate the need to spend a huge sum of money every time a medical emergency occurs or when a planned hospitalization is needed.

Having health insurance for the whole family is more affordable than individual policies as it reduces the need to manage many individual policies. There is a single premium one has to pay, and all the members are covered in a single policy.

Individual health covers are indeed beneficial, but when someone has a family to take care of, including spouse, children, and dependant parents, the best option is a family medical policy. Moreover, it comes with various benefits and discounts.

Further, with tax benefits under Section 80D of the Income Tax Act, a family can be relaxed about their financial health and only focus on getting the right medical care when the need arises. Health insurance plans for family are highly recommended for any family that looks forward to savings and reducing the burden of medical expenditures.

FAQs on Family health insurance Plans


Oops! No results found for your keyword search

Most Frequently Asked Questions

Popular Questions

Q. What is Family Floater Plan?

The family floater plan provides coverage to the entire family under a single plan. It is affordable compare to individual health policy. Policy benefits and sum insured are shared among the insured members.

Q. Why do I need Health Insurance for family?

Medical facilities are accessible, but the irony is they are getting expensive. Caring for the family and the elderly at home while having the financial strength to cope with a medical emergency is not easy. Investing in a family health insurance plan is a decision worth taking. With a health insurance plan for your family, you will get affordable coverage for any emergency or planned treatment, with numerous policy benefits, including cashless hospitalization, annual health check-up, and more.

Q. How does a family health insurance plan work?

A family health insurance plan is a comprehensive health plan covering you and your immediate family members (spouse, children, and parents) with a floating sum insured at a single premium. During an emergency or planned hospitalization, the insured can go for cashless treatment at our network hospitals. We will settle the expenses directly with the hospital. If you choose a non-network hospital, then you can apply for a reimbursement claim.

We will process the claims subject to policy T&C.

Q. Can I get any discount while buying a family floater plan?

Yes. There is a premium discount of 10% for a 3-year policy term.

Q. Can I take multiple health insurance policies?

You can get multiple health insurance policies and avail of the benefits. If you have more than one indemnity-based health insurance plan from another insurer or us, you can select any of these policies to settle the claim, provided the claim payable is up to the sum insured of such a policy. If the claim amount under one policy exceeds the sum insured, you can choose an insurer to settle the claim. If you have selected CHI, we will settle your medical expenses, subject to the policy T&C.

Q. Can I increase my sum insured during the policy tenure?

Yes, you can increase the sum Insured at the time of policy renewal.

Q. Do I need separate health insurance policy while having an employer health plan?

We recommend that you go for a separate comprehensive health insurance policy if you do not have one. Merely relying on an employer mediclaim or health plan is not a wise approach, and there are a few valid reasons. Firstly, the employer health plan will cease to provide coverage the day you leave the employer or decide to change job. It will leave you uninsured during the time you find another employment. Secondly, going for a comprehensive health policy will enable you to customize your policy, choose the preferred sum insured and optional benefits. This advantage may not be available in a corporate mediclaim policy.

Q. Is Coronavirus treatment covered in Care- Health Insurance for family?

Yes. Coronavirus treatment is covered under Care - health insurance plan for family. The policy gives adequate protection by covering various medical expenses if the insured is diagnosed with the COVID-19 disease. The coverage includes in-patient hospitalization like ICU charges and room rent, day care treatment, and pre and post hospitalization medical expenses.

Q. Is there is a cashless facility with Care- Family Plan?

Yes. We offer the cashless facility with Care- Family Plan, provided the insured person avails medical treatment at any of the network hospitals empanelled with us. The cashless feature proves helpful, especially when facing a medical emergency, and eliminates the stress related to arranging cash to pay hospital bills. The insured has to choose a network hospital, approach the hospital insurance desk, present the ID proof and Health Card, and submit the duly-filled pre-authorization form. We will verify the documents and settle the expenses directly with the hospital, subject to policy T&C.

Q. What are the benefits of buying health insurance at an early age?

Opting for health insurance at an early age is beneficial in more ways than one. Firstly, policy issuance is possible without any pre-policy medical check-ups. You can get a health insurance policy online in a few simple steps. Secondly, owing to the early exhaustion of the waiting period, you can get coverage for all treatments at a later age without any delays. Moreover, the younger you are, there are high possibilities that you are in good health. Hence, you will be issued policies without loading.

Q. How to add my family members to the existing policy?

You can add your family members to the existing policy but at the time of renewal.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*IBAI Claims Handbook for FY 19-20

*Features available with additional Add-on ,*NCB will not be lost if claimed amount is less than 25% of SI, Coverage is available in Government Authorized Centre *For detailed list of non-payable items refer Annexure I of policy details

^20% discount is applicable for a 3-year policy and 4 or above insured family members

^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 4286/-(excl. GST) for 1 adult falling under the age bracket 05-24 years.

Care complete plan details

Reach out to us